Call reports 2002
CLAY COUNTY STATE BANK — 2002
What CLAY COUNTY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,195,000 | 62,273,000 | 61,827,000 | 61,112,000 |
| Total loans | 32,432,000 | 33,690,000 | 35,169,000 | 35,003,000 |
| Allowance for loan losses | 352,000 | 367,000 | 381,000 | 393,000 |
| Securities available for sale | 23,262,000 | 22,630,000 | 21,299,000 | 19,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,332,000 | 50,298,000 | 49,578,000 | 48,748,000 |
| Interest-bearing deposits | 44,611,000 | 45,365,000 | 44,939,000 | 43,552,000 |
| Noninterest-bearing deposits | 4,721,000 | 4,933,000 | 4,639,000 | 5,196,000 |
| Equity capital | 10,186,000 | 10,401,000 | 10,660,000 | 10,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 939,000 | 1,861,000 | 2,783,000 | 3,664,000 |
| Interest expense | 408,000 | 783,000 | 1,116,000 | 1,419,000 |
| Net interest income | 531,000 | 1,078,000 | 1,667,000 | 2,245,000 |
| Noninterest income | 24,000 | 53,000 | 88,000 | 130,000 |
| Noninterest expense | 274,000 | 557,000 | 835,000 | 1,140,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 105,000 |
| Pretax income | 269,000 | 550,000 | 888,000 | 1,134,000 |
| Income tax | 98,000 | 203,000 | 328,000 | 408,000 |
| Net income | 171,000 | 347,000 | 560,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,043,000 | 10,189,000 | 10,402,000 | 10,208,000 |
| Total capital | 10,395,000 | 10,556,000 | 10,783,000 | 10,601,000 |
| Risk-weighted assets | 37,152,000 | 38,026,000 | 38,547,000 | 38,214,000 |